\begin{table}[tbp] \centering
\newcolumntype{C}{>{\centering\arraybackslash}X}

\caption{Baseline Summary Statistics}
\label{table-baseline-summstats}
\begin{tabularx}{\linewidth}{lrrrrrrr@{}l}

\toprule & \multicolumn{3}{c}{\shortstack[c]{Full Sample ($N = 887$)}} & \multicolumn{3}{c}{\shortstack[c]{Means by Study Arm}} & \tabularnewline \cmidrule(lr){2-4} \cmidrule(lr){5-7}
{}&{Mean}&{SD}&{CV}&{\shortstack[c]{HEE \\ ($ N=218$) }}&{\shortstack[c]{HEEC\\ ($ N=224$)}}&{\shortstack[c]{Control\\ ($ N=445$)}}&{\shortstack[c]{\(F\)-test \\ \(p\)-value}}&{} \tabularnewline
\midrule \addlinespace[\belowrulesep]
\textit{Panel A. Household (HH) Variables}\\$\qquad$ HH size&5.90&2.56&0.43&5.81&5.98&5.89&0.999& \tabularnewline
$\qquad$ HH monthly income (Rs.)&7024.09&5096.80&0.73&6533.33&6944.51&7304.57&0.147& \tabularnewline
$\qquad$ HH monthly income per capita (Rs.)&1247.38&773.70&0.62&1193.02&1228.34&1283.60&0.165& \tabularnewline
$\qquad$ HH has TV&0.79&0.41&&0.80&0.81&0.78&0.487& \tabularnewline
$\qquad$ HH has bicycle&0.41&0.49&&0.40&0.38&0.43&0.419& \tabularnewline
$\qquad$ HH has scooter/motor&0.19&0.40&&0.22&0.21&0.17&0.110& \tabularnewline
$\qquad$ HH has computer&0.02&0.12&&0.01&0.01&0.02&0.657& \tabularnewline
$\qquad$ HH has mobile phone&0.84&0.37&&0.82&0.83&0.84&0.419& \tabularnewline
$\qquad$ HH has nonfarm enterprise&0.26&0.44&&0.25&0.29&0.24&0.334& \tabularnewline
$\qquad$ HH has water connection&0.78&0.42&&0.82&0.73&0.78&0.156& \tabularnewline
\\\textit{Panel B. Respondent Variables}\\$\qquad$ Woman&0.58&0.49&&0.56&0.60&0.59&& \tabularnewline
$\qquad$ Age&38.47&9.10&0.24&38.58&39.14&38.08&0.467& \tabularnewline
$\qquad$ Married&0.98&0.14&&1.00&0.97&0.98&0.055&* \tabularnewline
$\qquad$ Hindu&0.82&0.39&&0.79&0.84&0.82&0.340& \tabularnewline
$\qquad$ Completed elementary school&0.45&0.50&&0.48&0.43&0.45&0.953& \tabularnewline
$\qquad$ Completed secondary school&0.03&0.17&&0.04&0.03&0.03&0.773& \tabularnewline
$\qquad$ Microfinance client&0.48&0.50&&0.48&0.49&0.48&& \tabularnewline
$\qquad$ Has inconsistent time preferences&0.49&0.50&&0.46&0.50&0.50&0.642& \tabularnewline
$\qquad$ Is risk averse&0.17&0.38&&0.15&0.20&0.17&0.719& \tabularnewline
$\qquad$ Has any income during last 12 months&0.75&0.43&&0.78&0.74&0.73&0.505& \tabularnewline
\\\textit{Panel C. Health Variables}\\$\qquad$ Knows AIDS is not curable&0.39&0.49&&0.40&0.39&0.38&0.945& \tabularnewline
$\qquad$ Knows nightblindness is curable&0.28&0.45&&0.25&0.33&0.28&0.173& \tabularnewline
$\qquad$ Knows should wash hands after defecation&0.92&0.27&&0.93&0.92&0.92&0.717& \tabularnewline
$\qquad$ Drinks filtered or boiled water&0.01&0.09&&0.01&0.01&0.01&0.827& \tabularnewline
$\qquad$ Uses a water vessel with tap&0.03&0.16&&0.04&0.02&0.03&0.752& \tabularnewline
\bottomrule \addlinespace[\belowrulesep]

\multicolumn{9}{p{0.99\linewidth}}{\footnotesize  \vspace{-3ex} \textit{Notes:}                  Data from baseline survey.                  In Column 3, the Coefficient of Variation (CV) is the ratio of the standard deviation to the mean and                  is calculated for continuous variables.                 The last column reports the \(p\)-value of the joint hypothesis test \(H_0: \beta_1 = 0, \beta_2 = 0\),                  where the regression is the same specification used for the impact analysis (Equation \ref{reg-equation}) and the                  dependent variable is a baseline outcome. The \(p\)-values are not reported for two baseline outcomes---i.e., the dummy for woman and the dummy for whether the respondent is a microfinance client---because they are contained in the strata fixed effects in the regression.                          ***$\,p < 0.01$, **$\,p < 0.05$, *$\,p<0.10$.}
\end{tabularx}
\end{table}
